Led a team of associates responsible for validating regulatory requirement applicability, as well as control design and operating effectiveness for four Financial Services lines of business. Identify compliance risks and prepare formally written reports to VP+ senior management communicating results of the control review.• Special project team member assigned to redesign ineffective enterprise wide Applicability and Requirement Coverage and Control Testing (ACR) Program and produced new program deliverables on time. Redesign included changes of policy, process, and standards; and the creation of new procedures, roles and responsibilities, risk definitions, tools, templates, management review and training• Independently led multiple pilots for the new ACR program, and utilized results to adjust program design prior to implementation across the organization• Spearheaded on-going process improvements to the broader Independent Compliance Testing Teams (ICTT) including: reporting enhancements, updates to engagement models and facilitating training for continuous improvement • Established new associate scorecard process for all Financial Services Independent Compliance Testing Teams to monitor team performance which resulted in increased visibility in associate performance

Led the Post-Closing Quality Control (QC) Department for Home Loans Division for Mortgage and Home Equity to monitor and measure loan quality for GSE, investor and regulatory compliance for Conventional, FHA and Home Equity Loan Originations. Reported results to senior leaders and was point of contact for all QC related internal and external audits and exams. Identified system failures, process gaps and fulfillment performance deficiencies then partner with Line of Business to improve overall loan quality.• Created new Quality Control Department for ING Direct including program set up, creation of policy and standards, talent acquisition and software procurement to fulfill GSE QC Program standards and regulatory compliance requirements• Received no audit findings from Fannie Mae, OCC or HUD QC exams in 2013, 2014 & 2015• Successfully challenged incorrect Legal opinions on RESPA decisions for broker business, avoiding potential costly RESPA violations• Terminated under-performing Quality Control Vendor, collaborated with Third Party Management Team to renegotiate Vendor contracts and successfully on-boarded new QC Vendors• Received Mark of Distinction Award for team effort to standardize quality definitions of finding severity ratings in the Originations Risk Rating Guide• Assumed management responsibility of both Quality Control departments when Capital One acquired ING Direct in February 2012; then consolidated two QC programs into one

Led Mortgage Closing, Funding, Post Closing, and File Retention Departments.• Served as Subject Matter Expert for testing of new Mortgage Loan Origination System • Identified gap in title knowledge and created training materials for clearing title and identifying fraud on settlement statements; resulting in fewer mistakes and improved awareness of potential fraud risks• Drove results to ensure mortgage loan production performance to meet established goals while maintaining compliance and quality performance standards

Leadership of four teams of people managers, supporting 75+ team members of loan production staff including Opening, Processing, Underwriting, Closing, Post Closing and Shipping Departments for Retail Branch and Business to Consumer Mortgage Loans.• Successfully drove improved production metrics from 14 LPE to 22 LPE and sustained improved metrics year over year• Led efforts to identify a fraud ring operating within a production only origination branch and escalated proof to regional offices for further investigation and prosecution• Received President Achievement Award for most improved ROC performance

Manage mortgage Opening, Processing, Closing, Post Closing Departments for Retail and Correspondent Mortgage Loans. Drive results to ensure mortgage loan production to meet established goals. Maintain compliance and quality performance standards